Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

£50 to £25,000

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Payday Loans

£50 - £995

Tick - OrangeOnline decision

Tick - OrangeResponsible lenders

Tick - OrangeRates 278% to 1576%

Tick - Orange3-12 month repayment

Personal Loans

£1,000 - £25,000

Tick - OrangeInstant Decision

Tick - Orange60-Second Application

Tick - OrangeRates 4.7% to 278%

Tick - Orange3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
Not all loan types and amounts are eligible for 20 minute payouts. Your chosen bank may increase the time you receive the funds.

What sets us apart from the rest

Quick and Easy Application

No one wants to spend all their time filling out over complicated forms.

Personalise Your Loan Needs

It is no good applying for too much or too short a period – Make your loan your way.

Loans Paid Out Today

One of the fastest payouts available, most receive their money within 15 minutes.

See How We Compare

Loan amount
1,000 - 7,500
Loan term
12 - 60 months
Customer Scores
Great Customer Service
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Loan amount
1,000 - 10,000
Loan term
12 - 60 Months
Customer Scores
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Choose Exclusive Bad Credit Loans No Guarantor Direct Lender

The most common rejection which a person faces today is by banks that refuse to accept loans. There are so many criteria that should to be maintained and sustained by them lend money. However, there are financial institutions which are willing to offer bad credit loans no guarantor direct lender.

This is a unique predicament as it is rare and very hard to track down. With the right source you can get your hands on some much needed cash despite your bad credit or lack of guarantor. The most interesting feature about this arrangement is that the money comes from a direct lender.
Bad credit loans

Those who are in debt or had previously been irregular to pay their debts are not granted loans. However with the right sources loans on bad credit are guaranteed. What is unique about such a loan remains that large sums of money can be availed despite lack of credit.

Credits are basically points which are awarded to persons who either pay back their loans or are regular to make payments. The point system also works negatively for those who have failed to make ends meet. It is a precautionary system to prevent banks from investing in people who will not be able to return the money.

No guarantor

In many cases those who are opting for loans with bad credit present a guarantor who takes responsibility for the person in concern. This implies that if someone reliable or respectable takes responsibility for you then you have a chance to get money. However with bad credit loans no guarantor direct lender you do not even need to produce such a person to take your liability.

Direct lender

The interesting fact about direct lenders is that there is no need for official conversations. However it is recommended that the transaction and the terms happen on legal grounds.

The transfer and return of money is usually not through banks. Here the lender directly provides the money for a stipulated interest rate. The person taking the loan ensures to payback the amount within a certain time period including the interest.

If you are considering for such a loan be sure to understand what it entails. The exclusive characteristics and qualities of the bad credit loans no guarantor direct lender has been stated below as follows:

  • The service is extremely customer friendly, which means that you are the priority.
  • Advisory functions are performed by many of the institutes which offer such loans. Helping customers make a wise choice.
  • Quick availability of the sum of money is guaranteed through such options. There is no long waiting periods the transaction is quick.
  • Loans for any purpose are provided to customers. Unlike banks, direct lenders ask less questions they just seek their money back with interest.
  • No application fee upfront needs to given by the customers.
  • Big and small payments offered with equal enthusiasm. There are no requirements or brackets of loans given to certain persons.

With such options now your economic problems will get solved easily.

Loanize is a licensed credit broker and not a lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative Example: Borrow £200.00 for 60 days. Repay in 2 payments, first payment in 30 days
Each Payment: £147.04. Total Repayment: £294.08, Interest: £94.08.
Interest p.a: 365%(fixed). Representative APR 1058%

Warning: Late repayment can cause you serious money problems. For help, go to moneyadvice.org.uk.

Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.

Finding the Right Loan for You

There are many kinds of loans that you can get while using a guarantor. We have divided our site to focus on specific kinds to make it far easier for you to make sure you are getting the finance plan you are looking for.

If you are looking for something specific then check to see if our sub-sites cover what your after. If they don’t just get in contact with us and we will definitely be able to help.

5 most recent personal loan reviews

Review of Ikano Bank

Honest, realistic and genuine, I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully Ikano loans gave me a chance to rebuild that. High rates, but that's expected when getting a loan with such bad credit. Thanks again for your support.

Review posted by Peter Harrow, Thornbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Money Guru

Excellent communication and a very quick and easy process. Authorisation telephone call was conducted by a friendly and polite lady who explained everything clearly. Would highly recommend this company.

Review posted by Melanie Steele

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Satsuma

The service was simply amazing. I have never taken loans service seriously, my view point has now changed. I needed the money for flight tickets to attend a funeral and I could have not been dealt with in such an amazing manner. The interest rate was also better than I expected. Certainly will be paying the money back early as this was really an emergency and a life saver.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews acquired from trustpilot.com for authenticity.